Call reports 2026
FIRST NATIONAL BANK AT SAINT JAMES, THE — 2026
What FIRST NATIONAL BANK AT SAINT JAMES, THE reported to the FFIEC in 2026, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Total assets | 36,877,000 | 37,882,000 |
| Total loans | 24,256,000 | 23,173,000 |
| Allowance for loan losses | 366,000 | 366,000 |
| Securities available for sale | 1,798,000 | 1,777,000 |
| Securities held to maturity | 0 | 0 |
| Trading assets | 0 | 0 |
| Total deposits | 33,659,000 | 34,624,000 |
| Interest-bearing deposits | 24,480,000 | 24,825,000 |
| Noninterest-bearing deposits | 9,179,000 | 9,799,000 |
| Equity capital | 3,145,000 | 3,190,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Interest income | 530,000 | 1,067,000 |
| Interest expense | 108,000 | 207,000 |
| Net interest income | 422,000 | 860,000 |
| Noninterest income | 55,000 | 115,000 |
| Noninterest expense | 385,000 | 816,000 |
| Provision for loan losses | 6,000 | 6,000 |
| Pretax income | 81,000 | 153,000 |
| Income tax | 6,000 | 7,000 |
| Net income | 75,000 | 146,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Tier 1 capital | 3,198,000 | 3,239,000 |
| Total capital | 3,472,000 | 3,501,000 |
| Risk-weighted assets | 21,835,000 | 20,881,000 |